If you’re managing money in Switzerland, the right app depends on whether you want a full banking relationship with built-in budgeting, or a dedicated budgeting tool layered on top of your existing bank. Below are six real, currently-operating options relevant to Swiss residents — what each one actually does, and what it costs.
Neon
Neon is a Swiss digital banking app (built on a banking licence via Hypothekarbank Lenzburg) with a built-in budgeting feature called “Spaces” — sub-accounts you can create to earmark money for specific goals or spending categories, so you can see at a glance what’s actually free to spend. The base account is free (CHF 0/month), with a one-off CHF 20 card delivery fee; paid tiers — neon plus (CHF 2/month or CHF 20/year), neon global (CHF 8/month or CHF 80/year) and neon metal (CHF 15/month or CHF 150/year) — add perks like free ATM withdrawals in Switzerland and no foreign-exchange fees.
Yuh
Yuh is an all-in-one finance app backed by Swissquote and PostFinance (banking services provided by Swissquote Bank Ltd, which is FINMA-regulated). It combines everyday payments, savings “projects” with automatic recurring transfers toward a goal, and simple investing (stocks, ETFs, crypto, pillar 3a) in one app. The core app is free to use; investing and currency-conversion have their own fee schedules, which you should check on Yuh’s own pricing page before relying on figures here, since we did not independently verify current trading fees.
Zak (by Bank Cler)
Zak was Switzerland’s first neobank, run by Bank Cler (a subsidiary of Basler Kantonalbank). Its standout budgeting feature is “Savings Pots” — dividing your balance into separate pots so you can see how much is set aside for what, and how much is genuinely free to spend, at any moment. The standard account and Visa debit card are free, with no monthly fee on the base tier. Note it currently lacks Apple Pay support according to reviewer sources, which may matter if that’s part of your daily routine.
Revolut
Revolut isn’t a Swiss company, but it operates a Switzerland-facing product with a free CHF account and sub-accounts (“Vaults”) in dozens of currencies, plus category-based spending insights and budget-limit notifications. It’s widely used by Swiss residents who travel or hold multiple currencies. The free Standard plan covers basic budgeting and a limited monthly currency-conversion allowance; paid tiers unlock higher limits and extra features — check Revolut’s own Switzerland pricing page for current CHF figures, as we did not independently re-verify exact tier prices.
YNAB (You Need A Budget)
YNAB is a US-built, subscription-based budgeting methodology app that supports CHF as a base currency, so Swiss users can budget natively in francs. It is a paid app (subscription pricing set in USD on YNAB’s site; convert to CHF at checkout). The trade-off for Swiss users: YNAB has no direct integration with Swiss or other European banks, so transactions have to be imported manually via CSV rather than syncing automatically, and the app is only available in English — worth knowing before you commit to the subscription.
Numbrs — use with caution
Numbrs began as a Swiss fintech (headquartered in Baar) offering account aggregation, budgeting tools, and spending alerts across linked bank accounts. However, available reporting suggests the company has since shifted its focus toward Bitcoin cold-storage products, and we could not confirm whether its original budgeting features are still actively maintained in 2026. If you’re considering it, verify current functionality directly in the app store listing before relying on it.
Choosing between them
- Want budgeting built into your everyday bank account, free, with no separate subscription? Neon, Zak, or Yuh.
- Want a dedicated, strict zero-based budgeting method and don’t mind manual CSV imports? YNAB.
- Need multi-currency flexibility for travel or cross-border spending? Revolut.
- Considering Numbrs? Confirm current features first — its budgeting focus may no longer be active.
Last checked 22 July 2026. App features and pricing change; verify current details on each provider’s own website before making a decision.
